The Citizens National Bank Of Bluffton Mortgage Rates, Fees & Info

Bluffton, OH

LEI: 549300HNMUG8WS7JLL28

Tax ID: 34-4205025

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The Citizens National Bank Of Bluffton is a smaller bank specializing in Refi and Home Purchase loans. The Citizens National Bank Of Bluffton has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Lima, Findlay, Celina, Columbus, and Van Wert among others. We have data for 51 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Citizens National Bank Of Bluffton has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Citizens National Bank Of Bluffton is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.78% 11/22/24
    30 Year Conventional Refi 6.85% 11/22/24
    30 Year Cash-out Refi 6.84% 11/22/24
    30 Year FHA Purchase 7.11% 11/22/24
    30 Year VA Purchase 6.16% 11/22/24
    30 Year USDA Purchase 7.06% 11/22/24
    15 Year Conventional Purchase 6.04% 11/22/24
    15 Year Conventional Refi 6.03% 11/22/24
    15 Year Cash-out Refi 6.03% 11/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The Citizens National Bank Of Bluffton Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Citizens National Bank Of Bluffton. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,142

    Origination Dollar Volume (All Markets)

    $201,170,000

    Employee count

    153 Show all (16) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LIMA, OH (FHA|USDA|VA) 409 $65,805,000 $160,892 $1,497 2.97%
    Findlay, OH (FHA|USDA|VA) 101 $21,595,000 $213,812 $1,774 3.09%
    Celina, OH (FHA|USDA|VA) 131 $20,335,000 $155,229 $1,246 2.94%
    COLUMBUS, OH (FHA|USDA|VA) 44 $17,150,000 $389,773 $2,342 3.33%
    Outside of Metro Areas 91 $14,035,000 $154,231 $1,748 2.91%
    Van Wert, OH (FHA|USDA|VA) 93 $11,675,000 $125,538 $1,455 3.12%
    Defiance, OH (FHA|USDA|VA) 59 $9,125,000 $154,661 $1,823 3.05%
    Wapakoneta, OH (FHA|USDA|VA) 48 $7,480,000 $155,833 $1,274 2.78%
    TOLEDO, OH (FHA|USDA|VA) 51 $7,315,000 $143,431 $2,350 3.74%
    Angola, IN (FHA|USDA|VA) 10 $3,050,000 $305,000 $1,459 2.81%
    SPRINGFIELD, OH (FHA|USDA|VA) 5 $2,655,000 $531,000 $2,379 3.22%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $2,335,000 $179,615 $2,368 3.22%
    Urbana, OH (FHA|USDA|VA) 7 $1,675,000 $239,286 $3,242 2.96%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,590,000 $198,750 $2,379 2.81%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,580,000 $263,333 $3,081 3.12%
    Bellefontaine, OH (FHA|USDA|VA) 6 $1,210,000 $201,667 $2,657 2.67%
    Greenville, OH (FHA|USDA|VA) 9 $1,185,000 $131,667 $2,128 3.94%
    AKRON, OH (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $0 3.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $950,000 $237,500 $1,849 2.94%
    MONROE, MI (FHA|USDA|VA) 5 $765,000 $153,000 $1,915 3.11%
    Sidney, OH (FHA|USDA|VA) 3 $495,000 $165,000 $1,693 2.58%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $475,000 $475,000 $2,095 2.75%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $475,000 $475,000 $2,537 2.88%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $470,000 $235,000 $1,960 2.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $455,000 $455,000 $2,825 2.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $435,000 $435,000 $3,300 3.50%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $405,000 $405,000 $2,477 2.88%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $365,000 $365,000 $1,144 4.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,480 3.25%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $335,000 $335,000 $2,334 3.00%
    Traverse City, MI (FHA|USDA|VA) 1 $325,000 $325,000 $1,865 2.25%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $325,000 $325,000 $3,701 2.50%
    Warsaw, IN (FHA|USDA|VA) 1 $315,000 $315,000 $2,219 2.63%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $305,000 $305,000 $3,726 2.75%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,412 2.25%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $275,000 $91,667 $1,595 2.92%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $275,000 $275,000 $1,644 2.75%
    WHEELING, WV-OH (FHA|USDA|VA) 2 $230,000 $115,000 $2,730 3.32%
    Marion, IN (FHA|USDA|VA) 3 $215,000 $71,667 $0 4.65%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $1,768 2.50%
    Tiffin, OH (FHA|USDA|VA) 2 $190,000 $95,000 $2,039 3.56%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $185,000 $185,000 $463 5.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $170,000 $85,000 $2,150 2.94%
    Sevierville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,321 3.13%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,763 3.13%
    Coldwater, MI (FHA|USDA|VA) 1 $125,000 $125,000 $1,880 2.50%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,229 3.00%
    Auburn, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,605 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,404 3.13%
    Kendallville, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,255 2.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $85,000 $85,000 $1,628 2.50%
    The Citizens National Bank Of Bluffton's top markets include Lima, Findlay, Celina, Columbus, and Van Wert among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Citizens National Bank of Bluffton based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bay Area Credit Union, Inc.
    Similarity Rank: 39
    First Federal Savings and Loan Association of Delta
    Similarity Rank: 141
    Commodore Bank
    Similarity Rank: 153
    JEEP COUNTRY
    Similarity Rank: 272
    Mechanics Bank
    Similarity Rank: 396
    First Federal Savings and Loan Association
    Similarity Rank: 620
    Kingston National Bank
    Similarity Rank: 708
    Three Rivers Federal Credit Union
    Similarity Rank: 726
    Columbus Metro Federal Credit Union
    Similarity Rank: 864
    YOUR HOME FINANCIAL LLC
    Similarity Rank: 938

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,132 $199,950,000 $176,634 $1,605 3.04%
    FHA 5 $585,000 $117,000 $5,239 3.83%
    VA 2 $330,000 $165,000 $4,024 3.19%
    USDA 2 $240,000 $120,000 $4,478 3.50%
    HELOC 1 $65,000 $65,000 n/a 5.00%

    For 2020, The Citizens National Bank Of Bluffton's most frequently originated type of loan was Conventional, with 1,132 originations. Their 2nd most popular type was FHA, with 5 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 538 $105,020,000 $195,204 $1,454 2.91%
    Home Purchase 355 $56,035,000 $157,845 $1,922 3.29%
    Cash Out Refi 211 $35,775,000 $169,550 $1,700 2.84%
    Home Improvement 22 $2,980,000 $135,455 $1,480 3.65%
    Other 16 $1,360,000 $85,000 $1,240 3.92%

    For 2020, The Citizens National Bank Of Bluffton's most frequently cited loan purpose was Refi, with 538 originations. The 2nd most popular reason was Home Purchase, with 355 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 517 $91,095,000 $176,199 $1,808 3.08%
    15 Year 333 $51,845,000 $155,691 $1,583 2.61%
    Other 95 $19,045,000 $200,474 $1,314 2.94%
    10 Year 95 $20,725,000 $218,158 $1,056 4.02%
    20 Year 79 $14,745,000 $186,646 $1,526 3.09%
    1 Year 21 $3,675,000 $175,000 $762 4.51%
    5 Year 2 $40,000 $20,000 $721 5.50%

    For 2020, The Citizens National Bank Of Bluffton's most frequently cited loan duration was 30 Year, with 517 originations. The 2nd most popular length was 15 Year, with 333 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,016 $168,730,000 $166,073
    $1k-2k 32 $5,030,000 $157,188
    $2k-3k 5 $1,025,000 $205,000
    $3k-4k 5 $765,000 $153,000

    The Citizens National Bank Of Bluffton's average total fees were $1,808, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,016 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 481 $92,515,000 $192,339
    <2.5% 289 $44,915,000 $155,415
    3-4% 239 $46,135,000 $193,033
    4-5% 118 $16,770,000 $142,119
    5-6% 15 $835,000 $55,667

    During 2020, The Citizens National Bank Of Bluffton's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 481 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 534 $77,230,000 $144,625 $1,620 2.93%
    $200k-400k 301 $78,955,000 $262,309 $1,688 2.97%
    $100,000 or less 271 $19,045,000 $70,277 $1,564 3.31%
    $400k-600k 26 $12,430,000 $478,077 $1,972 3.19%
    $1MM+ 7 $11,155,000 $1,593,571 $0 3.24%
    $600k-1MM 3 $2,355,000 $785,000 $0 4.15%

    2020 saw The Citizens National Bank Of Bluffton place emphasis on $100k-200k loans with 534 originations, totaling $77,230,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 247 $33,135,000 $134,150 $1,608 2.97%
    $100k-150k 237 $44,695,000 $188,586 $1,661 2.97%
    $75k-100k 203 $33,265,000 $163,867 $1,623 2.92%
    $50k or less 179 $19,025,000 $106,285 $1,646 2.98%
    $150k-250k 111 $25,525,000 $229,955 $1,809 2.90%
    $250k+ 49 $13,695,000 $279,490 $1,947 3.15%

    The Citizens National Bank Of Bluffton lent most frequently to those with incomes in the $50k-75k range, with 247 originations. The second most popular income band? $100k-150k, with 237 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 362 $60,110,000 $166,050 $1,615 2.92%
    <20% 200 $32,770,000 $163,850 $1,580 2.76%
    30-36% 171 $28,545,000 $166,930 $1,652 3.01%
    39% 39 $7,475,000 $191,667 $1,667 3.06%
    41% 33 $4,965,000 $150,455 $1,909 3.09%
    44% 33 $4,975,000 $150,758 $1,740 3.05%
    38% 31 $5,515,000 $177,903 $1,889 3.06%
    37% 25 $3,335,000 $133,400 $1,747 3.18%
    36% 24 $4,130,000 $172,083 $1,548 3.13%
    40% 23 $3,255,000 $141,522 $1,650 3.02%
    43% 21 $3,465,000 $165,000 $1,797 3.18%
    >60% 19 $3,965,000 $208,684 $667 2.57%
    42% 17 $3,345,000 $196,765 $1,967 2.90%
    45% 15 $2,255,000 $150,333 $1,450 2.79%
    47% 13 $1,865,000 $143,462 $1,644 2.80%
    46% 11 $2,335,000 $212,273 $1,670 2.81%
    50-60% 9 $1,185,000 $131,667 $1,726 3.75%
    49% 7 $1,185,000 $169,286 $1,710 2.98%
    48% 5 $875,000 $175,000 $1,706 2.98%

    The Citizens National Bank Of Bluffton lent most frequently to those with DTI ratios of 20-30%, with 362 originations. The next most common DTI ratio? <20%, with 200 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,032 $170,060,000 $164,787 $1,620 2.95%
    Not applicable 75 $22,575,000 $301,000 $0 4.38%
    Black 15 $3,235,000 $215,667 $2,405 3.12%
    Asian 11 $2,715,000 $246,818 $1,638 3.03%
    Not provided 7 $2,195,000 $313,571 $2,044 3.02%
    American Indian 2 $390,000 $195,000 $1,525 2.88%

    Approval Rates

    Total approvals of all applications
    94.69%

    The Citizens National Bank Of Bluffton has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.65%

    The Citizens National Bank Of Bluffton has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,142 $201,170,000 $176,156

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 26 $18,880,000 $726,154
    Single Family (1-4 Units):Manufactured 7 $835,000 $119,286
    Single Family (1-4 Units):Site-Built 1,109 $181,455,000 $163,620

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $6,520,000 $105,161 $1,415 3.09%
    40-60% 190 $30,720,000 $161,684 $1,545 2.80%
    60-80% 593 $113,685,000 $191,712 $1,583 3.07%
    80-100% 275 $48,055,000 $174,745 $1,866 3.03%
    Over 100% 1 $175,000 $175,000 $7,121 3.63%
    Under 20% 21 $2,015,000 $95,952 $845 4.46%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Citizens National Bank of Bluffton 102 South Main Street Bluffton, OH 45817 Limited, Administrative $0
    The Citizens National Bank of Bluffton 102 South Main Street Bluffton, OH 45817 Full Service B&M $188,495
    The Citizens National Bank of Bluffton 1199 Westwood Drive Van Wert, OH 45891 Full Service B&M $123,342
    The Citizens National Bank of Bluffton 135 North Main Street Lima, OH 45801 Limited, Drive-thru $0
    The Citizens National Bank of Bluffton 138 South Main Street Bluffton, OH 45817 Limited, Drive-thru $0
    The Citizens National Bank of Bluffton 1995 Tiffin Avenue Findlay, OH 45840 Full Service B&M $48,365
    The Citizens National Bank of Bluffton 201 North Main Street Lima, OH 45801 Full Service B&M $124,785
    The Citizens National Bank of Bluffton 30 Warder Street Suite 150 Springfield, OH 45504 Full Service B&M $22,259
    The Citizens National Bank of Bluffton 305 Kiracofe Street Elida, OH 45807 Full Service B&M $41,115
    The Citizens National Bank of Bluffton 3130 Executive Parkway Toledo, OH 43606 Full Service B&M $13,400
    The Citizens National Bank of Bluffton 601 E Second Street Defiance, OH 43512 Full Service B&M $52,813
    The Citizens National Bank of Bluffton 601 Grand Lake Road Celina, OH 45822 Full Service B&M $75,073

    For 2020, The Citizens National Bank Of Bluffton had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $41,829
    Net interest income $35,949
    Total noninterest income $9,621
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $424
    Trading account gains and fees $0
    Additional Noninterest Income $9,197
    Pre-tax net operating income $19,404
    Securities gains (or losses, -) $429
    Income before extraordinary items $19,833
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,833
    Minority interest net income $0
    Net income $19,833
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $19,404

    The Citizens National Bank Of Bluffton's gross interest income from loans was $41,829,000.
    The Citizens National Bank Of Bluffton's net interest income from loans was $35,949,000.
    The Citizens National Bank Of Bluffton's fee based income from loans was $424,000.
    The Citizens National Bank Of Bluffton's net income from loans was $19,833,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,880
    Provision for credit losses $400
    Total noninterest expense $25,766
    Salaries and employee benefits $13,819
    Premises and equipment expense $2,635
    Additional noninterest expense $9,312
    Applicable income taxes $0
    Net charge-offs $-7
    Cash dividends $11,474

    The Citizens National Bank Of Bluffton's interest expense for loans was $5,880,000.
    The Citizens National Bank Of Bluffton's payroll and benefits expense were $13,819,000.
    The Citizens National Bank Of Bluffton's property, plant and equipment expenses $2,635,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.1%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $701,416
    Deposits held in domestic offices $701,416
    Deposits by Individuals, partnerships, and corporations $655,350
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $43,596
    Deposits by Commercial banks and other depository institutions in U.S. $2,470
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $99,753
    Demand deposits $66,209
    Nontransaction accounts $601,663
    Money market deposit accounts (MMDAs) $118,879
    Other savings deposits (excluding MMDAs) $376,935
    Total time deposits $105,849
    Total time and savings deposits $635,207
    Noninterest-bearing deposits $207,761
    Interest-bearing deposits $493,655
    Retail deposits $655,991
    IRAs and Keogh plan accounts $3,159
    Brokered deposits $27,168
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $953,506
    Cash & Balances due from depository institutions $20,634
    Interest-bearing balances $8,747
    Total securities $161,161
    Federal funds sold & reverse repurchase $265
    Net loans and leases $747,418
    Loan and leases loss allowance $10,795
    Trading account assets $0
    Bank premises and fixed assets $10,652
    Other real estate owned $68
    Goodwill and other intangibles $2,057
    All other assets $11,251

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $953,506
    Total Liabilities $851,476
    Total deposits $701,416
    Interest-bearing deposits $493,655
    Deposits held in domestic offices $701,416
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $2,000
    Trading liabilities $0
    Other borrowed funds $144,059
    Subordinated debt $0
    All other liabilities $4,001

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $747,418
    Loan and leases loss allowance $10,795
    Total loans and leases (domestic) $758,213
    All real estate loans $563,770
    Real estate loans in domestic offices $563,770
    Construction and development loans $43,989
    Residential 1-4 family construction $8,371
    Other construction, all land development and other land $35,618
    Loans secured by nonfarm nonresidential properties $316,527
    Nonfarm nonresidential secured by owner-occupied properties $117,738
    Commercial real estate & other non-farm, non-residential $198,789
    Multifamily residential real estate $19,060
    1-4 family residential loans $94,559
    Farmland loans $89,635
    Loans held in foreign offices $0
    Farm loans $45,595
    Commercial and industrial loans $141,869
    To non-U.S. addressees $0
    Loans to individuals $2,602
    Credit card loans $1,217
    Related Plans $7
    Consumer Auto Loans $685
    Other loans to individuals $693
    All other loans & leases $4,377
    Loans to foreign governments and official institutions $0
    Other loans $80
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,130
    Non 1-4 family restructured loans & leases $4,828
    Total loans and leases (foreign) $0

    The Citizens National Bank of Bluffton had $747,418,000 of loans outstanding in 2020. $563,770,000 of loans were in real estate loans. $43,989,000 of loans were in development loans. $19,060,000 of loans were in multifamily mortgage loans. $94,559,000 of loans were in 1-4 family mortgage loans. $45,595,000 of loans were in farm loans. $1,217,000 of loans were in credit card loans. $685,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 455 $103,629 $227,756
    Nonfarm, nonresidential loans - <$100k 90 $3,922 $43,578
    Nonfarm, nonresidential loans - $100-250k 149 $18,200 $122,148
    Nonfarm, nonresidential loans - $250k-1MM 216 $81,507 $377,347
    Commercial & Industrial, US addressed loans - <$1MM 458 $41,387 $90,365
    Commercial & Industrial, US addressed loans - <$100k 230 $6,097 $26,509
    Commercial & Industrial, US addressed loans - $100-250k 103 $8,635 $83,835
    Commercial & Industrial, US addressed loans - $250k-1MM 125 $26,655 $213,240
    Farmland loans - <$1MM 419 $30,067 $71,759
    Farmland loans - <$100k 110 $3,777 $34,336
    Farmland loans - $100-250k 194 $12,896 $66,474
    Farmland loans - $250k-1MM 115 $13,394 $116,470
    Agriculture operations loans - <$1MM 319 $20,067 $62,906
    Agriculture operations loans - <$100k 205 $5,078 $24,771
    Agriculture operations loans - $100-250k 73 $6,786 $92,959
    Agriculture operations loans - $250k-1MM 41 $8,203 $200,073